Medicare Part B


Q. I will turn 65 next month but am employed with excellent insurance and a prescription service. I do not plan on retiring for several more years. Therefore, I don’t see a need to take Part B at this time. If I do not sign up now, will I be penalized when I retire and require the prescription portion of Medicare?

A. You won’t be penalized if you enroll in Part B during the eight-month period that begins the first full month after you retire.


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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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